1. PhD, Full professor, University of Sarajevo – School of Economics and, Business , Trg Oslobodjenja – Alija Izetbegovic 1 , Sarajevo , Bosnia and Herzegovina
2. PhD, Full professor, University of Sarajevo – School of Economics and Business , Sarajevo , Bosnia and Herzegovina
3. MA, Specialist for Retail Risk Reporting and Analysis, Raiffeisen Bank d.d. Bosnia and Herzegovina , Sarajevo , Bosnia and Herzegovina